Homeowner’s insurance protects you against accidents and property damage to your home or land. There are several common ways to reduce your homeowner’s insurance costs, including installing a home security system, bundling home and auto insurance, and raising your deductible. Installing a fence may also be a way to lower your homeowner’s insurance costs. Talk to your insurance provider to be sure.

Why would a fence lower my homeowner’s insurance rates?

A tall, sturdy fence reduces the likelihood of burglary.

If you have a pool, hot tub, or trampoline, your insurance may increase without a fence. Fences lessen the chance that people will use your pool, hot tub, or trampoline without your consent and possibly get injured. This is a concern especially for children, who could accidentally fall into a pool and drown or use a trampoline without supervision and become seriously injured.

If you’re considering adding a fence around a pool, hot tub, or trampoline, be sure to check with your insurance company. They may have specifications that you must adhere to in order for the fence to qualify for a lower insurance rate. For example, your insurance company may specify that the fence:

  • Is at least 4 feet high
  • Features a self-closing childproof latch
  • Touches the ground or has a gap of no more than 2 feet from the ground

These are common fence specifications, but again, check with your insurance company to learn about any requirements they have.

if you’re considering a privacy or security fence, contact Fence Central for a free estimate. We have many attractive materials and styles to choose from or we can custom create the fence of your dreams.